That’s a tenth of percentage point more than the top nationally available 24-month CD rates. (See our latest CD Rates Leaderboard).

But you must purchase the certificates of deposit in person at one of Lincoln Park Savings Bank’s two locations in Lincoln Park and Montville.

And you must live or work in certain cities and counties of New Jersey. It’s a bit confusing, so it’s probably best to call Lincoln Park Savings Bank and make sure you’re eligible before heading to a branch.

Compare these returns with the best CD rates from scores of banks in our extensive database.